Call reports 2021
CITIZENS STATE BANK — 2021
What CITIZENS STATE BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 144,107,000 | 141,279,000 | 136,184,000 | 146,732,000 |
| Total loans | 68,223,000 | 71,623,000 | 77,663,000 | 73,777,000 |
| Allowance for loan losses | 553,000 | 600,000 | 614,000 | 648,000 |
| Securities available for sale | 45,195,000 | 41,109,000 | 40,144,000 | 44,898,000 |
| Securities held to maturity | 2,000 | 2,000 | 1,000 | 1,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,807,000 | 123,784,000 | 118,434,000 | 129,262,000 |
| Interest-bearing deposits | 93,097,000 | 93,393,000 | 88,078,000 | 92,412,000 |
| Noninterest-bearing deposits | 33,710,000 | 30,391,000 | 30,356,000 | 36,850,000 |
| Equity capital | 16,771,000 | 16,936,000 | 17,129,000 | 17,160,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,086,000 | 2,189,000 | 3,346,000 | 4,507,000 |
| Interest expense | 65,000 | 120,000 | 172,000 | 220,000 |
| Net interest income | 1,021,000 | 2,069,000 | 3,174,000 | 4,287,000 |
| Noninterest income | 69,000 | 133,000 | 203,000 | 263,000 |
| Noninterest expense | 863,000 | 1,751,000 | 2,642,000 | 3,542,000 |
| Provision for loan losses | 60,000 | 90,000 | 105,000 | 120,000 |
| Pretax income | 168,000 | 374,000 | 657,000 | 920,000 |
| Income tax | 22,000 | 64,000 | 128,000 | 154,000 |
| Net income | 146,000 | 310,000 | 529,000 | 766,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,578,000 | 16,742,000 | 16,961,000 | 17,198,000 |